First, the definition and characteristics of financial fraud
Financial fraud refers to the act of defrauding other people's property by fabricating facts, concealing the truth, forging vouchers and other means. This kind of crime often involves complex financial transactions and professional knowledge, which brings serious economic losses to the victims. The characteristics of financial fraud include hidden means, huge amount involved and many victims.
Two. Departments dealing with financial fraud and their responsibilities
1. Public security organs: Public security organs are the main force in cracking down on financial fraud. When financial fraud is discovered, it should be reported to the local public security organ in a timely manner, provide relevant evidence materials, and assist the public security organ to carry out investigation and evidence collection. The public security organs will, in accordance with relevant laws and regulations, conduct procedures such as filing a case for investigation and prosecution of criminal suspects.
2. China Banking Regulatory Commission: China Banking Regulatory Commission is responsible for supervising the business operation and risk management of financial institutions. When fraud involving financial institutions or financial products is involved, you can complain and report to China Banking and Insurance Regulatory Commission. China Banking Regulatory Commission will supervise and inspect financial institutions in accordance with the law to maintain the order and stability of the financial market.
3. People's Court: The people's court is the judicial organ to hear financial fraud cases. When the victim suffers financial fraud losses, he can bring a civil lawsuit to the people's court and ask the criminal suspect to compensate for the economic losses. The people's court will try cases according to law and safeguard the legitimate rights and interests of the victims.
Third, strengthen the awareness of preventing financial fraud.
In addition to seeking the help of relevant departments, we should also strengthen the awareness of financial fraud prevention. It is necessary to understand financial knowledge and relevant laws and regulations and improve the ability to identify financial fraud; Be cautious about strangers' investment advice and wealth management product promotion, and avoid blindly following the trend of investment; Protect personal information and account security, and don't disclose it to others easily.
To sum up:
Financial fraud is a serious crime. In case of financial fraud, it shall promptly report the case to the public security organ, complain to the China Banking Regulatory Commission or bring a lawsuit to the people's court. At the same time, we should also strengthen the awareness of financial fraud prevention and improve our self-protection ability.
Legal basis:
Criminal law of the people's Republic of China
Article 266 stipulates that:
Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
People's Republic of China (PRC) Public Security Administration Punishment Law
Article 49 provides that:
Theft, fraud, looting, looting, extortion or intentional damage to public or private property shall be detained for not less than five days but not more than ten days, and a fine of not more than 500 yuan may be imposed; If the circumstances are serious, he shall be detained for more than 10 and less than 15, and may also be fined less than 1000 yuan.